Grind 24 is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A.; Member FDIC. The Grind 24 Visa® Debit Card is issued by Blue Ridge Bank, N.A.; Member FDIC pursuant to a license from Visa U.S.A and may be used everywhere Visa debit cards are accepted. *Annual Percentage Yield (APY) of 0.15% is effective as of 10/01/21. This is a variable rate and may change after the account is opened. Minimum opening deposit is $100 and you must maintain an average balance of $1,000 to earn the stated Annual Percentage Yield. Fees could affect earnings on the account.